In an effort to effectively accommodate investors' capital needs we have incorporated user friendly "outside the box" thought processes to create a diverse menu of unique and creative loan products and services.

1. Auction Lending at the Trustee's sales on the courthouse steps...NLF will lend up to 75% of the purchase price of a property purchased at auction This unique funding is done on the spot, prior to the purchase in the form of cashiers checks.

2. Bidding Service - NLF provides a highly experienced bidder to bid on your behalf at the Trustee's sales. Bidding is a critical function at the auction and having an experienced bidder who knows the ropes can be the difference between a successful and unsuccessful auction experience. The normal fee for bidding service is $4,000 - $6,000 for a winning bid. NLF's service is FREE if you win or lose the bid provided you do a loan on the purchased properties.

3. Due Diligence - NLF will provide extensive research into each auction property selected by an investor that actually goes to auction. Most important is a thorough analysis of title to make sure there are no incumbrances that could have a negative impact on ownership. Property values are also established through comparative analysis in order to create a value for the targeted property as well as maximum loan amount. All of this research is offered to borrowers at no charge. FREE!

4. Construction Loans - NLF offers a number of different loans for investors wanting to build or do extensive remodeling. These loans are typically done with an LTV of up to 80% and up to 100% of the rehab cost.

5. Refinancing - NLF offers refinancing for investment properties or primary residences, provided the proceeds are used for an investment property.

6. Out of the Box Loans - NLF will work with experienced, seasoned investors to provide creative, custom loan products for any residential or multi unit investment project.

7. Joint Venture Equity Financing - In some cases NLF will invest with the client to creat an equity sharing scenario.

9. Leverage - Almost all of the great fortunes in our society have been realized by utilizing LEVERAGE. Every one of NLF's loan products offers the ability to leverage your existing funds to achieve a successful and profitable end. Some of our most successful clients are those who felt they didn't need or want to borrow in the first place. Now they wouldn't do it any other way because they are able to purchase at least 4 times as many properties as they would have using their own funds.